Premier Home Comprehensive Insurance

Added peace of mind with comprehensive protection

  • The precious moments you enjoy at home are now extended with Premier Home Comprehensive Insurance. Our all-in-one insurance package takes care of you and your family members, giving you total protection for your home contents, personal belongings, buildings as well as domestic helpers.

Product Features

"Premier Home Comprehensive Insurance" provides a wide range of protection schemes, giving you peace of mind and the time to enjoy a care-free life.

  • All-rounded household coverages of up to HK$1,200,000(per event), cover the accidental loss and damage to your Home Contents. e.g. in the event of typhoon, fire, explosion, burglary, Malicious Damage by Tenant and other incidents
  • Cover accidental physical loss of or damage to the window at Home as a direct result of typhoon and rainstorm, up to HK$20,000 (per event), from July to October every year
  • Legal Liability coverages of up to HK$10,000,000(per event/year), covers your legal liability as a homeowner, a resident or a tenant and the homeowner’s liability in the common part of the building of your home
  • 3 Plan types with value-added choices, just pick and choose our optional benefits upon your needs


MAJOR EXCLUSIONS (Please refer to policy provisions for detailed exclusions)

General exclusions applicable to the Policy 

  • Wear and tear;  
  • electrical or mechanical breakdown;  
  • spectacles, contact lenses, dentures or prostheses;;  
  • pagers, portable phones(except as defined under - Extension Coverage to I. BASIC BENEFIT – item H. Laptop Computer and mobile phone);  
  • deliberate or malicious act(except as defined under - Extension Coverage to I. BASIC BENEFIT – item M. Malicious Damage by tenant);
  • war, act of terrorism;  
  • damage due to poor construction or lack of maintenance of the Buildings;  
  • damage caused by any unexplained or mysterious disappearance and consequential loss;  
  • any part of the structure of the Buildings (except as defined under - II. OPTIONAL BENEFITS – 6.BUILDINGS);
  • damage caused by water seepage, etc. 


Exclusion to Extension Coverage to I. BASIC BENEFIT - item B. Interior Decoration/ Refurbishment Works 

  • any loss directly or indirectly caused by bursting of water pipes and/or blocking of drainage system;  
  • any loss or damage directly caused by the workmanship in the decoration works.

Exclusive Privilege for Mortgage Customers

"Premier Home Comprehensive Insurance" (Mortgage Customer Plan) is available to customers with BOCHK residential property mortgage loan service, and can be applied via mobile banking now. Details


"Premier Home Comprehensive Insurance" (Green Mortgage Customer Plan) is available to BOCHK Green Mortgage Customer. Please contact the branch staff or Contact Centre of BOCHK for more details.

Application Method

Please go to BOCHK Mobile Application/ Mobile Banking for instant application.

Download now

iOS users         Android users    Huawei users

Android users
(If unable to access Google Play)

Version: 7.1.6
Updated on: 31 March 2024

Security tips:

  • If any apps from suspicious download are found, please do not login and stop operation immediately.
  • Prevent download any counterfeit mobile application which is attached with Phishing program / Trojan to steal the login information.
  • Do not copy or install mobile application from uncertain sources on mobile device.
  • If any abnormalities are found, such as unusual layout or unusual slow login response, please stop the operation immediately.


  • Please download mobile applications from official application stores or BOCHK website, and ensure the search wording is correct. iPhone or iPad users may download BOCHK Mobile Applications via App Store; Android users may download BOCHK Mobile Applications via Google Play, and Huawei AppGallery or BOCHK website.
  • * Recommended Operating System: Android 8.0 or above.
  • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are the registered trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and the HUAWEI EXPLORE IT ON AppGallery logo are the registered trademarks of Huawei Technologies Co., Limited.


Important Notes:

  • The Plan and the supplementary rider(s) (if any) are underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance").
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong").
  • The Bank of China (Hong Kong) Limited ("BOCHK") is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong Special Administrative Region of the People's Republic of China. (insurance agency licence no. FA2855)
  • BOCG Insurance reserves the sole right to determine whether any application for the Plan and the supplementary rider(s) (if any) is acceptable or not in accordance with the information submitted at the time of application by the Proposer and/or Insured Person.
  • BOCHK is the appointed insurance agency of BOCG Insurance for distribution of the Plan. The Plan is product of BOCG Insurance but not BOCHK.
  • BOCG Insurance and/or BOCHK reserve the right to amend, suspend or terminate the Plan, and to amend the relevant terms and conditions at any time. In case of any dispute(s), the decision of BOCG Insurance and/or BOCHK shall be final.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the Plan should be resolved directly between BOCG Insurance and the customer.
  • This promotional material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy documents and provisions issued by BOCG Insurance for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan and the supplementary rider(s) (if any). For enquiry, please contact the staff of BOCHK.
  • The Plan and the supplementary rider(s) (if any) are subject to the formal policy documents and provisions issued by BOCG Insurance. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions.

The Insurance Authority (“IA”) will collect premium levy from the policyholder at the applicable rate. In order to avoid any legal consequences, the policyholder must pay to the insurance company a prescribed levy for the premium for direct remittance to the IA. The levy amount may be subject to change depending on the applicable rate. For details, please visit IA's website